FALL 2011 Alert !!! Health Care (Rates are down) Reform II

Health Care (Rates are down) Reform II   Submitted by James C Nicoll on August 30, 2011   There's nothing sweeter, if you are the premium payer on your individual, family, or company sponsored health insurance program coming due this fall, than shopping your plan and rates, and taking advantage of the best (and newest) plans the top carriers offer, or coming off COBRA, or just switching to a better plan and saving 50% or more! Those rates are generally the newest, most value oriented, and by keeping yourself healthy, that keeps you in the cleanest pool, and with the lowest rates increases.   By paying attention to the premium/out of pocket maximums, and utilization, you'll get a much better plan and rate that's suitable to your particular health care needs. Have your professional health insurance agent compare the price points.   You can buy basic major medical insurance and set the deductible to where you need to "transfer the risk" and then "invest the difference" in your savings, which would build up and cover your deductible, pay for your VCPWN dues and eventually pay for your LTC Insurance, or fund an IRA. Now That's Real Healthcare Reform.   The government has made it clear it won't be paying for any of your costs of private custodial long term care. Skilled care only, maybe in Barstow, only if you're poverty stricken    James C Nicoll, VCPWN "Guy at Large" and designated Secret Agent Man, is a fully licensed Life, Health, Disabiltiy and Long Term Care Insurance and Financial Services Professional, and Safer and Smarter Money Specialist.    He offers a courtesy one hour insurance and financial review, and is available by appointment,  Mon-Fri 7am-9pm and Sat 7am-3pm. Call   805-642-1775       nicollinsurance@yahoo.com   email   www.getmaxventura.com  for advanced cellular health